Best 2 years CD Rates
Compare 2 years certificate of deposit rates from FDIC-insured banks. Lock in a guaranteed return with no risk.
Last updated: May 14, 2026
| Bank | APY | Min. Deposit | Early Withdrawal Penalty | |
|---|---|---|---|---|
BestMountain America Credit Union | 4.20% | $500 | Varies | Visit → |
Merrick Bank | 4.10% | $25 | Varies | Visit → |
United Fidelity Bank, fsb | 4.10% | $0 | Varies | Visit → |
USALLIANCE Financial | 4.05% | $0 | Varies | Visit → |
Utah First Federal Credit Union | 3.95% | $2 | Varies | Visit → |
Credit Human | 3.90% | $500 | Varies | Visit → |
NASA Federal Credit Union | 3.90% | $0 | Varies | Visit → |
Bread Savings | 3.85% | $1 | Varies | Visit → |
Luana Savings Bank | 3.85% | $2 | Varies | Visit → |
Popular Direct | 3.85% | $10 | Varies | Visit → |
Sallie Mae Bank | 3.85% | $2 | Varies | Visit → |
Signature Federal Credit Union | 3.85% | $500 | Varies | Visit → |
All In Credit Union (AL) | 3.82% | $1 | Varies | Visit → |
TAB Bank | 3.82% | $1 | Varies | Visit → |
American Heritage Credit Union | 3.81% | $500 | Varies | Visit → |
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CD Ladder Calculator →Frequently Asked Questions
What is the best 2 years CD rate right now?
The best 2 years CD rate is currently 4.20% from Mountain America Credit Union. Rates are verified and updated regularly.
Is a 2 years CD a good investment?
A 2 years CD is a safe, FDIC-insured investment that locks in a guaranteed rate. Longer-term CDs may offer higher rates but lock your money for a longer period.
What happens when my CD matures?
When your CD matures, you can withdraw your principal plus earned interest penalty-free. Most banks will auto-renew into a new CD at current rates if you take no action, so set a reminder.